Insurance & Protection

Family Protection

"How can I provide for my family after death?"

Coping with bereavement is already a terrible time without thinking of the financial consequences. Providing either a lump sum or regular income for those left behind will enable them to cope with the ongoing financial burden. Correct cover set up in the right way can make sure that, at the very least, the impact can be mitigated and, in a tax-efficient way.

Mortgage Protection

"How can I pay off my mortgage if I die"

Protecting your home against the financial impact of death, critical or long- term illness is very important and requires the right advice. Plans should be set up ion the correct way to ensure that the proceeds are paid quickly and to the right people to make sure the home you have worked hard and a paid a lot of money for is cleared on any debt.

Income Protection

"What if I can’t work through illness?"

Providing a long-term plan to protect your income from illness and disability is important to provide income so that you can continue with monthly outgoings and mortgage payments. Our advisers will assess your needs and explain the many options open to you to keep payments affordable.

Trusts

"How can I make sure that the money goes to the right people at the right time?"

Our advisers explain how you and your loved ones will benefit from writing plans in trust, where appropriate. Avoid probate delays and contested Wills by making sure that your wishes are carried out and the money gets made available, when the policy is paid out. This can cost nothing more than a few minutes of planning.

Business Assurance

"How will the business survive if I die?"

Death and serious illness impact heavily on any type of business. Money for your share of the business should go to the person who probably needs it the most. Business shares are normally best returned to the business. Death or illness of a Key person means a huge financial loss for the business. Cover in these circumstances is imperative. We can protect the business and set it up to protect you, your family and the business.

IHT Planning

"Will the government tax my family on death?"

Our licenced advisers will discuss your estate planning and explain what may happen and how to mitigate your position so that more of your hard-earned money can pass on to your family. With careful planning cover can be put in place to help you.

Critical Illness cover

"How will I manage if I get a serious illness"

If you were diagnosed with a serious illness it can have a massive impact on your finances as well as your health. Having a lump sum available in that sad event would help you to concentrate on getting better and allow you the opportunity to convalesce properly before returning to work. Our advisers can show you how this works and recommend the right protection. You will have a plan to provide yourself with the funds to help you through.

Buildings Insurance

"What if my house burns down!"

All Mortgage lenders insist this is in place. It is prudent to provide cover not only to repair or rebuild your home but to provide temporary housing and legal cover. It is vital that you understand what you get and what you don’t so that you get the cover that suits your needs. Advice is imperative. It may mean that a plan that is not the cheapest available is recommended, but our advisers will make sure that plan provides what you need.

Contents cover

What if we lose all our belongings?

This is an area that is often under insured and advice is important. Our advisers will take time to discuss your personal situation and recommend the type of plan for you that means that you get the cover you think you were getting and we make sure that you understand what is recommended.

Some of the products and services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. The products are not regulated by the Financial Conduct Authority.

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I have known David & Alison for more than 30 years. They are always my first call when I require a mortgage or advice, at the last count I think it is 11 mortgages that have been completed, along with many recommendations. I have entrusted my pension along with other investments to their staff who have always acted in a friendly, professional manner and given good, sound advice. I would not hesitate to recommend The Centre Court Partnership to anybody who wanted advice on mortgages or pensions.

- N Kift

Types of Protection Services

How can I provide for my family after death

Family Protection

Coping with bereavement is already a terrible time without thinking of the financial consequences. Providing either a lump sum or regular income for those left behind will enable them to cope with the ongoing financial burden. Correct cover set up in the right way can make sure that, at the very least, the impact can be mitigated and, in a tax-efficient way.

How can I pay off my mortgage if I die

Mortgage Protection

Protecting your home against the financial impact of death, critical or long- term illness is very important and requires the right advice. Plans should be set up in the correct way to ensure that the proceeds are paid quickly and to the right people to make sure the home you have worked hard and paid a lot of money for is cleared on any debt.

What if I can’t work through illness

Income Protection

Providing a long-term plan to protect your income from illness and disability is important. Income is provided so that you can continue with monthly outgoings and mortgage payments. Our advisers will assess your needs and explain the many options open to you to keep payments affordable.

How can I make sure that the money goes to the right people at the right time

Trusts

Our advisers will explain how you and your loved ones will inevitably benefit from writing plans in trust, where appropriate. Avoid probate delays and contested Wills by making sure that your wishes are carried out and the money gets made available immediately when the policy is paid out.

This can cost nothing more than a few minutes of planning.

How will the business survive if I die

Business Assurance

Death and serious illness can impact heavily on the business, whether that be a limited company, sole trader or partnership. The money for your share of your business should go to the desired person who probably needs it the most and the business shares are normally best to be returned to business.

The death or illness of a Key person may mean a huge financial loss for the business and cover in these circumstances is imperative. We can show you how to protect the business and set this up to protect yourselves, your family and the business.

Talk to an adviser today!

Will the government tax my family on death

IHT Planning

Our licenced advisers will discuss your estate planning and explain what may happen and how to mitigate your position so that more of your hard-earned money can pass on to your family. With careful planning cover can be put in place to help you.

How will I manage if I get a serious illness

Critical Illness cover

If you were to be diagnosed with a serious illness it can have a massive impact on your finances as well as your health. Having a lump sum available in that sad event would help you to concentrate on getting better and allow you the opportunity to convalesce properly before returning to work.

Our advisers can show you how this works and what protection is available so that you can put in place a plan to provide yourself with the funds to help you through.

What if my house burns down

Buildings Insurance

If you have a mortgage on your home a lender will insist this is in place but it is prudent to provide cover to ensure that there will be funds available not only to repair or rebuild your home but to provide temporary housing and legal cover. It is vital that you understand what you get and what you don’t get so that you get the cover that suits your needs.

Advice is important and it may mean that a plan that is not the cheapest available is recommended, but our advisers will make sure that the plan does the job and provides what you need.

What if we lose all our belongings

Contents cover

This is an area that is often under insured and advice is important. Our advisers will take time to discuss your personal situation and recommend the type of plan for you that means that you get the cover you think you were getting and we make sure that you understand what is recommended.

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